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Poor Budget Planning Is
The Biggest Business Killer.

The thing about annual budgets is that you only get out of it what you put into it.
That’s why businesses that utilize a well-seasoned fractional CFO to build their
annual budget and forecast models see more growth YoY than the businesses
who don’t.

20+ YEARS EXPERIENCE

20+ LOCATIONS

15,000+ CLIENTS SERVED

300+ FINANCE PROS

Ways Poor Budget Planning Hurts

Sales are climbing, your team is busy, and your P&L statement says you had a fantastic month. Things look great on paper, and yet…

  • You’re growing revenue while still losing money
  • Finances are always in total chaos and disarray
  • You have zero runway to offset sudden market changes
  • Not enough cash flow to keep things going if invoices are late
  • You have zero insight into the future of your business

HOW WE WORK TOGETHER

A Path For Every Need

Every package starts with the same operating budget while you decided how far ahead you want to look.

PLAN

Budget

You need a credible operating budget for the year, on a fixed scope and a fixed fee.

  • Operating Budget
    • A plan built on real numbers, month by month.
  • Documented Assumptions
    • Every line traces back to a driver you can defend.
  • Leadership Walkthrough
    • Your team leaves able to explain it without us.

PREDICT

Budget + Model

You need to see what happens next, and catch the gap while you can still close it.

  • 3-Statement Forecasting Model
    • Income statement, balance sheet, and cash flow, linked.
  • Cash Flow Forecast
    • 13-week or 12-month view.
  • Sensitivity & Scenario Models
    • See what happens before it happens.
  • Budget-to-Actual Variance
    • Know the gap while you can close it.
  • Bank or Lender Package
    • Projections that hold up to questions.

PARTNER

Budget + Model + Advisory

You want a finance partner in the room all year, not a file you opened in January.

  • Rolling Forecasts
    • Reforecast as the year moves.
  • KPI Dashboard
    • The handful of numbers that matter.
  • Board or Investor Summary
    • The story your numbers tell.
  • Quarterly Strategic Review
    • A recurring hour with your consultant.
  • Consultation Hours
    • Time to call on through the year.

WHAT WE DO

How We Build An Operational Budget

Five steps starting with strategy and ending with a fully operational budget you and your team can use to plan.

Strategy session

STAGE 01

We sit down with leadership before opening a file. Where the business is going, what you’re hiring for, what you’re investing in, what worries you.

Historical cleanup

STAGE 02

We normalize the historicals, strip out one-time items, correct classification, and find the real run rate and seasonality underneath.

Driver build

STAGE 03

Strategy becomes a short list of assumptions: revenue drivers, headcount and timing, margin, fixed costs, capital and debt.

Scenario testing

STAGE 04

We run the plan against a downside case and confirm cash holds through the low months before anything gets approved.

Your operating budget

STAGE 05

A month-by-month budget mapped to your chart of accounts, walked through with leadership line by line.

WHAT YOU GET

What’s Included In
The Final Budget

One working file your controller, your
board, and your bank can all use.

TALK THROUGH YOUR NEEDS

12-month P&L, by month

Revenue through net income for the
full fiscal year.

Bugdet to actual variance

Revenue build

By stream, tied to units, rates, pipeline, or backlog.

Written assumption sheet

Anyone can see why a number is what
it is.

Board or investor summary

A downside case

A tested plan for the year revenue
comes in light.

Department and location detail

Rolled up from where spending
decisions get made.

Headcount and compensation plan

Every role, start date, and fully loaded cost.

Chart of accounts mapping

Budget-to-actual works in your books,
not a side file.

Leadership walkthrough

Your team can defend it in the room without us.

A Full Finance Team At A Fraction Of The Cost

Features

  1. CFO-to-bookkeeper expertise on demand

  2. Pay only for the hours you need

  3. Scale up at budget season, down when it’s quiet

  4. Multi-entity and scenario-experienced consultants

  5. We roll up our sleeves and do the dirty work

Benefits

  1. The appropriate level of help for each task

  2. No full-time salary, and no overhead

  3. Support that flexes with your pipeline

  4. We already speak complex financial modeling

  5. We work as part of your team, not an outsider

Frequently Asked
Questions

Frequently Asked

Sooner than most businesses do. The goal is to have it locked before the year begins — in practice budgets often slip into January, which means the first month runs without a plan. Starting in the fall gives you room to gather real numbers and get the team bought in.
Usually the part that comes after: a forward-looking model, monthly budget-to-actual reporting, and a reforecast when the year moves. The budget is the foundation, not the finished product.
Projections they can follow and support — assumptions that hold up to questions, a cash flow forecast, and reporting that speaks to your covenants. If you’re heading into a loan application, renewal, or covenant review, the quality of your numbers is the conversation.
No. You only pay for the hours you need. Some clients bring us in for a defined build and nothing more; others keep us on for quarterly reviews. You set the terms.

Get Back In The Driver's Seat With A Roadmap That Works

A budget collecting dust all year is doing nothing for you. Get a living, breathing financial model and a team that manages the execution side for you. No full-time overhead, no unused capacity. Just absolute clarity on your numbers.

BOOK YOUR FREE CONSULTATION
READY FOR YOUR FREE CONSULTATION?

We provide outsourced, fractional, and temporary CFO, Controller, and operational accounting services that suit the needs of your business.

For Faster Service 801-938-4764
  • Hourly Rates
  • No Hidden Fees
  • No Long-Term Requirements